Innovations in underwriting.

Create added value.

By bringing a pioneering approach and innovative structures to facility management, we are able to grow your revenue and give you greater influence and control over your underwriting capacity, for overall better risk management.

 Our Facility Management solutions are designed to capture underwriting profits specifically for:

  • Brokers
  • Intermediaries
  • Managing General Agents (MGAs)
  • And others, such as property owners and lawyers
Managing General Agents (MGAs)

Managing General Agents (MGAs) and intermediary facilities are increasingly looking to establish a presence in Europe due to the fiscal and speed-to-market benefits they gain. Through European Union (EU) Insurance Directives and local-enabling legislation under either the Freedom of Services or Freedom of Establishment (instituting an operation under a branch basis) law, a licensed EU intermediary is able to write life or general insurance business directly into the EU and European Economic Area (EEA) States. Managing General Agents (MGAs) and intermediary facilities are increasingly looking to establish a presence in Europe due to the fiscal and speed-to-market benefits they gain. Through European Union (EU) Insurance Directives and local-enabling legislation under either the Freedom of Services or Freedom of Establishment (instituting an operation under a branch basis) law, a licensed EU intermediary is able to write life or general insurance business directly into the EU and European Economic Area (EEA) States.

EU Broking Solutions

You still have time to implement your post-Brexit EU passporting solution. Our team in Malta offers three proven, efficient, low-cost intermediary solutions for your EU portfolios. You can

  • Create your own protected cell in our EU Broker Protected Cell Company (PCC) facility
  • Partner with our in-house EU authorized intermediary
  • Participate in an Artex-owned incubator cell, suitable for smaller portfolios and for brokers who don’t want to establish their own cell at this time
After the event legal expenses

ATE is a well-established product with applications in both the personal injury and commercial litigation markets. ATE coverage protects an attorney’s client (typically a claimant) when or after that person or entity becomes aware of the need to litigate to protect their interests. ATE covers the client against what could prove to be substantial costs if legal action were to prove unsuccessful. Artex specializes in the creation of insurance structures, which enable law firms to provide their clients with highly competitive, flexibly priced ATE insurance products. The law firms also have the opportunity to participate in the underwriting results of their insurance portfolio through the use of a Protected Cell Company (PCC) as the reinsurance vehicle. Our expertise in this sector includes the ability to work with market leading insurers via existing schemes, which have been carefully constructed to ensure total compliance with all necessary regulations. In addition, we have access to a number of PCC facilities with low start-up and capital costs.

Customer-centric solutions

Artex provides organizations in the insurance distribution channel (the ‘Insurance Producer’) the opportunity to leverage the profitable (low loss ratio) accounts they have developed with innovative structures that enable them to grow their revenue, expand their client base and exert a greater degree of influence and control over underwriting capacity.

Multi-family housing property owners

Artex has developed a renter’s liability program for apartment owners in North America.

 

MGAs

Solidify your European presence. Leverage fiscal and speed-to-market benefits.

Managing General Agents (MGAs) and intermediary facilities are increasingly looking to establish a presence in Europe due to the fiscal and speed-to-market benefits they gain. Through European Union (EU) Insurance Directives and local-enabling legislation under either the Freedom of Services or Freedom of Establishment (instituting an operation under a branch basis) law, a licensed EU intermediary is able to write life or general insurance business directly into the EU and European Economic Area (EEA) States.

Artex is well positioned to assist prospective intermediaries with setting up an operation in Europe due to our robust infrastructure and talent in Gibraltar and Malta. We have the knowledge and expertise to facilitate the smooth function of the operation, and the relationships in the region to help put clients in contact with the right people.

Features and benefits.

  • Ability to offer Gibraltar & Malta as European Union jurisdictions
  • Total control over areas of your strategic management, future growth and expansion
  • EU status permits greater freedom than traditional offshore locations
  • Tax regime includes the possibility of a reduced net effective tax rate to that enjoyed by other member states
  • Excellent communications connectivity, including ease of access to the UK and the rest of Europe
  • Comparatively low-cost EU jurisdiction
  • Positive approach to regulation of the insurance industry
  • Modern and educated infrastructure

Artex has more than 20 years of experience in Europe working in partnership with clients, designing and undertaking feasibility studies and establishing, licensing and managing insurance companies and intermediaries. We provide personal and continuous assistance to our clients – from the concept stage all the way through seeing their business objectives realized.

EU broking facility

You have business in the EU. Let's keep it that way.

Our team in Malta provide regulatory-compliant solutions that enable your UK-based insurance intermediary business to continue to place and service risks across the European Economic Area (EEA) post-Brexit.

Three options exist, suitable for you based upon your size and risk appetite:

  • Create your own protected cell in our EU Broker Protected Cell Company (PCC) facility
  • Partner with our in-house EU-authorised intermediary
  • Participate in an Artex-owned incubator cell

Benefits include:

  • Continue intermediating your EU business as usual
  • Low cost
  • Low maintenance
  • Quick to implement
  • Can work alongside existing broking operational models
  • Artex provided infrastructure and management
  • Allows a call or cells to be established, owned, licensed and utilized by a broker
  • Available to UK as well as other non-EU brokers

Why Malta?

Malta is considered as being a competitive international finance centre where English is widely spoken and is the recognised business language. Malta is a European Union member state and has excellent travel links to most European destinations. The country has an attractive tax regime and is the only EU member state to offer PCC legislation.

Artex is a leading insurance manager in Malta. We provide substantial local knowledge and insurance expertise having more than 20 years’ experience working in Europe in partnership with our clients. We ensure personal and continuous assistance from concept through realisation of business objectives. We’re here to help you achieve your business goals.

Customer-centric solutions

A reinsurer sponsored by the business producer

At Artex, we help Insurance Producers create, or access an existing, (re)insurance company (whether a captive, cell or even their own cell company) to share profitable underwriting risk while also providing the ability to exercise some control over rating, policy coverage and claims. These structures appeals to those Insurance Producers looking to share in their underwriting risk and capture profits typically lost to the commercial market.

This framework can be a good fit for Insurance Producers with gross premium of approximately US$750,000 (or local currency equivalent). All classes of insurance business are suitable, particularly short-tail lines with low claims volatility. Insurance Producers should have strong control over all front-end functions including marketing, policy issuance and premium collection, etc. to leverage the benefits of these structures.

Working with Artex

Partnering with Artex offers Insurance Producers the advantage of working with a company experienced in establishing proven and innovative approaches that have benefited both our industry and the clients we serve. Access to Artex’s in-house solutions as well as our client-sponsored solutions provides a timely and cost-effective facility as the (re)insurance structure can typically be implemented with few or no changes to the existing insurance and reinsurance management arrangements.

Our team will be there throughout the process – from the initial assessment and feasibility study to licensing and ongoing management.

Apartment owners

Apartment owners often require tenants to carry renter’s insurance, but the process of verifying coverage, subrogating losses and tracking certificates can be a nightmare for property managers and can leave the property owner at risk when the renter’s insurance does not respond effectively to a loss.
 
In North America, Artex has developed a unique captive insurance solution for owners of multi-family housing properties.  This solution not only provides the process and technology to effectively implement a renter’s liability program, but also provides a structure that provides the property owner with a tenant-funded mechanism to fund for potential losses and may result in an additional revenue stream to the property owners. 

The Art of Risk

At Artex, we believe there is more to alternative risk management. As a trusted leader and provider of diverse (re)insurance and ILS solutions, our global team operates at the intersection of art and science—where creative thinking meets expertise and superior outcomes are made. That’s how we’re able to fully understand our clients’ needs and deliver the most comprehensive solutions available.

Established in more than 30 domiciles internationally, we’re here to help you make empowered decisions with confidence, reduce your total cost of risk and improve your return on capital. At Artex, we believe in finding you a better way.

 

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